Under 35

Stop borrowing from your future self. Each day you fail to save is another day where you tighten the ball and chain around your ankle. You deserve better than that.

Here’s how to earn a slow million.

While you know about the duplicate wedding gifts to exchange or return, and your mother is reminding you to finish writing Thank You notes, you might not remember all the other things you need to do.

Someone has to be proactive about your child’s retirement and every year you don’t open a retirement account is another year you’re holding back compound interest.

Any money you put away and invest now will have the longest time to grow, due to the magic (or actually, the mathematics) of compound interest.

A typical college degree is worth up to a million bucks over a career, but that’s not true for every degree.

Because of inflation, today’s 20-year-olds will need over $7 million to have the same lifestyle when they retire.

The good people at You Need A Budget (YNAB) have made their budgeting solution free for college students; including part-time students.

Most young people don’t understand inflation as well as their parents and grandparents.

I’ve learned to develop a thick skin when sharing ideas with the masses but if these commenters represent some general barometer of financial sanity, we appear to be losing the battle.

When a woman gets married she often changes her name. Once you’ve changed your name at the Social Security Administration, the DMV, your employer and employer benefits, and your passport, it’s time for the last few changes.

The DMV was my second stop in the name-change process because it makes subsequent name changes easier.

For $50 and a lifelong commitment, you can legally change your identity!

The complete guide to saving money while washing your clothes. What temperature should the water be? What cycle should I use? What detergent should I use?

Sometimes what stops someone from following advice is just not knowing where to begin or how easy it is. Many personal financial advisors have minimums, so where do you start if you only have a small amount of money to invest?

So now, after encouraging you to save 10% for emergencies, 15% for financial independence (often called “retirement”), and 10% for long-term savings, we’ve whittled down your income to about 65%. This 65% is for day-to-day living.

Milestones in life encourage advice. In 2012, I graduated, got married, and started a job and then this year, I bought a house. I received a lot of great advice, but here is some of the worse advice I was given.

The complete guide to saving money while drying your clothes. Should I air dry? Can I line dry inside? Is there ever a case when my dryer is cheaper?

In addition to emergency savings and retirement saving, you should also stash away 10% or so for long-term investing. Let the magic of compound interest make you money.

My recent column, 8 Worst Money Tips for New Grads, was recently published on Yahoo Finance. I originally wrote this column with the voice of a Dutch Uncle admonishing college students to stay out of financial ruin.

“Don’t air condition the outside” and “Turn the lights off when you leave a room” are often quoted as proverbs of energy savings, but the real savings is in several other appliances.

This kitten knows his area of genius. Be more like this kitten.

I opened my freezer and found, to my horror, my ice cream had turned to mush. Why? My refrigerator and freezer were broken. The expense for a new refrigerator was around $700. How could I have seen that expense coming?

Matthew Illian says young adults should read one personal finance book a year to expand their financial literacy. See what books we would recommend.

This kitten is frugal. Be more like this kitten.

Financial advice for college graduates is easy. Graduates street smart enough to take the advice is rare.

As the wife of a 2013 college graduate and a 2012 college graduate myself, I can boldly say this was the most helpful advice given to me.

This kitten knows how much she spends. Be more like this kitten.

These kittens have college savings plans. Be more like these kittens.

This kitten lives below her means. Be more like this kitten.

And “The Top 6 Communication Skills That Will Get You Promoted”

Such a well-intentioned program which steals our youth, our love, our happiness, our faith and our self-esteem.

In 2008 Obama captured 66% of the youth vote. But unlike the liberal ideological baby boom generation, millennials are more pragmatic. Support for Obama among the 18- to 29-year-old age group has dropped to 48%.

Financial planning means supporting the goals of stay-at-home parents to be with their children.

We teach teenagers a lot more about sexuality than we do about money. This can confuse them about what they should be learning. Give this article to a teenager and encourage him or her to start a Roth IRA.

My wife and I have six of our eight grandparents who are living well into their 80s and 90s.

Many people turn to religion when defining these shared values.

Couples that fail to prepare for a shared money maturity will likely experience longer and sharper growing pains. Here are several things to talk about before tying the knot.

I highly recommend that you plan to live on one salary for the first several years. This is a challenge that too few couples accept.

Begin by reflecting on this question: “Imagine you are financially secure, that you have enough money to take care of your needs, now and in the future.

Couples that fail to prepare for a shared money maturity will likely experience longer and sharper growing pains.

I’m in my 20s and I’m just getting started in the working world. I’m also looking at a Roth IRA. Is there a certain Roth you recommend?

I’m in my 20s and I’m just getting started in the working world. Which of the attached 401(k) investment choices do you recommend?

I’m in my 20s and I’m just getting started in the working world. I would love to start funding my Roth and 401(k), but I have no idea where to begin!

David Marotta discusses the importance of teaching your children how to handle money, reasons parents sometimes find it difficult to talk about money, and why it is important to start your children’s financial education early.

David Marotta discusses learning to live on your own after college.

There isn’t a better time to invest than today. Getting started can be intimidating, but these simple steps will help you through your first few years of investing.

Use a 529 college savings account to save for college.